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Lifting the banking veil: Credit standards' harmonization through lending transparency
Kang, Jung Koo; Loumioti, Maria; Moerman, Regina Wittenberg - 2020
We explore whether the transparency in banks' lending activities enhances the harmonization of credit terms that a bank … convergence in their credit terms, suggesting that transparency facilitates learning across a bank's different geographic regions … transparency regime. Overall, our findings suggest that transparency enhances the within-bank harmonization of lending practices. …
Persistent link: https://www.econbiz.de/10012422029
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Lifting the Banking Veil : Credit Standards’ Harmonization Through Lending Transparency
Kang, Jung Koo - 2020
We explore whether the transparency in banks' lending activities enhances the harmonization of credit terms that a bank … convergence in their credit terms, suggesting that transparency facilitates learning across a bank's different geographic regions … transparency regime. Overall, our findings suggest that transparency enhances the within-bank harmonization of lending practices …
Persistent link: https://www.econbiz.de/10012843214
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Lifting the Banking Veil : Credit Standards’ Harmonization through Lending Transparency
Kang, Jung Koo - 2019
We explore whether the transparency in banks' lending activities enhances the harmonization of credit terms that a bank … convergence in their credit terms, suggesting that transparency facilitates learning across a bank's different geographic regions … transparency regime. Overall, our findings suggest that transparency enhances the within-bank harmonization of lending practices …
Persistent link: https://www.econbiz.de/10012869697
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Regulatory competition in credit markets with capital standards as signals : conference paper
Haufler, Andreas; Maier, Ulf - 2013 - Preliminary and incomplete, February 2013
This paper studies regulatory competition in the banking sector in a model where banks are heterogeneous and taxpayers come up for the losses of failing banks. Capital requirements force the weakest banks to exit the market. This gives rise to a signalling effect of capital standards, as...
Persistent link: https://www.econbiz.de/10010342193
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The analytical credit dataset : a magnifying glass for analysing credit in the euro area
Israël, Jean-Marc; Damia, Violetta; Bonci, Riccardo; … - 2017
In May 2016 the Governing Council adopted the AnaCredit Regulation (ECB/2016/13) providing the legal basis for the … Regulation, AnaCredit will, already in Stage 1, significantly enhance the value for analysis on credit and credit risk in the … the definition of the AnaCredit requirements that were eventually included in the Regulation. …
Persistent link: https://www.econbiz.de/10011639632
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The financial accelerator in the euro area : new evidence using a mixture VAR model
Bennani, Hamza; Burgard, Jan Pablo; Neuenkirch, Matthias - 2021 - This Version: July 22, 2021
We estimate a logit mixture vector autoregressive model describing monetary policy transmission in the euro area over the period 2003Q1-2019Q4 with a special emphasis on credit conditions. With the help of this model, monetary policy transmission can be described as mixture of two states (e.g.,...
Persistent link: https://www.econbiz.de/10012320523
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The financial accelerator in the euro area : new evidence using a mixture VAR model
Bennani, Hamza; Neuenkirch, Matthias - 2020
We estimate a logit mixture vector autoregressive model describing monetary policy transmission in the euro area over the period 2003Q1–2019Q4 with a special emphasis on credit conditions. With the help of this model, monetary policy transmission can be described as mixture of two states...
Persistent link: https://www.econbiz.de/10012383710
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The financial accelerator in the euro area : new evidence using a mixture VAR model
Bennani, Hamza; Burgard, Jan Pablo; Neuenkirch, Matthias - 2021 - First draft: November 23, 2020 ; this version: May 17, 2021
We estimate a logit mixture vector autoregressive model describing monetary policy transmission in the euro area over the period 2003Q1-2019Q4 with a special emphasis on credit conditions. With the help of this model, monetary policy transmission can be described as mixture of two states (e.g.,...
Persistent link: https://www.econbiz.de/10013328355
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The harmonization of lending standards within banks through mandated loan-level transparency
Kang, Jung Koo; Loumioti, Maria; Moerman, Regina Wittenberg - In: Journal of accounting & economics 72 (2021) 1, pp. 1-20
Persistent link: https://www.econbiz.de/10013203468
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Credit Supply and Contracting on Hard Information in Debt Markets
Ertan, Aytekin - 2018
We use fair value adoption as a quasi-natural experiment to examine the effect of hard information on credit supply through a contracting channel. After fair value adoption, usage of financial covenants depending on capital-based fair value treatments significantly declined. Capital-based...
Persistent link: https://www.econbiz.de/10012936373